Kind Lending in New Mexico vs the state
22.3%Denial rate+3.67 pts vs state
24.9%Decision denial rate+0.28 pts vs state
66.8%Origination rate+13.48 pts vs state
6.63%Median rate0.00 pts vs state
0.31Rate spread (pts)-0.07 pts vs state
$122kMedian applicant income
300Loans originated
100Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 255 | 191 | 18.4% | 6.63% | #65 |
| 2024 | 395 | 247 | 22.8% | 6.63% | #44 |
| 2025 | 449 | 300 | 22.3% | 6.63% | #42 |
What Kind Lending lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 161 | 103 | 37 | 23.0% |
| Doña Ana County | 62 | 38 | 12 | 19.4% |
| Valencia County | 52 | 39 | 11 | 21.2% |
| Sandoval County | 38 | 22 | 11 | 28.9% |
| Lincoln County | 24 | 20 | 4 | 16.7% |
| San Juan County | 19 | 14 | 5 | 26.3% |
| Eddy County | 17 | 11 | 5 | 29.4% |
| Curry County | 16 | 13 | 3 | 18.8% |
| Santa Fe County | 11 | 5 | 2 | 18.2% |
| Grant County | 9 | 6 | 2 | 22.2% |
Other large lenders in New Mexico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 4,440 | 20.5% | 6.75% |
| 21st Mortgage | F | 3,992 | 45.5% | 9.60% |
| United Shore Financial Services | B | 3,251 | 12.8% | 6.13% |
| Guild Mortgage | A | 3,186 | 4.3% | 6.63% |
| Nusenda | D | 2,962 | 13.7% | 8.00% |
| Waterstone Mortgage | C | 2,740 | 3.2% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 2,085 | 46.4% | 9.99% |
| Sunward Federal Credit Union | B | 1,765 | 9.1% | 6.50% |
| Mortgage Research Center | C | 1,683 | 15.9% | 6.25% |
| Primary Residential Mortgage | C | 1,497 | 4.9% | 6.63% |
Frequently asked questions
New Mexico: 449 applications in 2025, of which 300 were originated and 100 denied.
22.3% of all applications, or 24.9% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Kind Lending originated in New Mexico in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Kind Lending's own HMDA filing for properties located in New Mexico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology